Defaults: A study with credit card users in Belo Horizonte / MG

Abstract

he present study seeks to identify the causes of delinquency of credit card users, considering the population of Belo Horizonte for this analysis; the work is carried out by subjects such as the national financial system, the main financial markets, credit card, indebtedness, consumer behavior and financial planning. The methodology used for this purpose was a descriptive field research. We used a non-probabilistic sample of 100 people, being chosen by judgment, they answered a questionnaire to collect information. This consisted of a baseline to note some common behaviors of the defaulters and to analyze how such attitudes affects the referral to the defaults. It demonstrates that financial education is a crucial force in helping to reduce this more and more frequent picture, its more accessible and understood dissemination and usability, tends to create a society where there is a balance between purchasing power and how much can be consumed.